 Do insurance companies have to have liquid assets for EVERY dollar they insure? |
| Like how casinos have to have cash on hand for every chip in play on there floor...even though 100% of customers would never cash out at the same time, nor would every insured driver get in an ... |
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 How can i get someone to pay me for my medical bill they caused? |
| Guy sent me to the hospital and i have no insurance. He initially said he would pay for it but now says he wont. Is there anyway I can threaten him or get him to pay up?... |
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 I bought Whole life insurance in 1990, has not done well. How can I get better return on this? Cash / reinvest |
| return rate is really bad. Was suppoese to pay for itself after 7 yeras. has not done that. Now has negative premium, keep on reducing total insured amount with age.... |
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 What can happen if you get in a wreck without insurance? |
| I lost my insurance a month ago because I had no money at all... moving into a new place, full time student paying for the next semester, and only a part time job, not to mention car problems. Well, I... |
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 Should I drop my daughter off auto insurance when she's at college? |
| My daughter is four hundred miles away at college and doesn't have a car there. She comes home between terms and uses our car. My auto-insurance agent says I don't get a break even though ... |
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 Do anesthesiologists pay medical malpractice insurance? |
| If i become an antesthesiologts (in newyork if that makes a difference) and I work in a Public hospital, do I pay for medical malpractice insurance or is that covered by the hospital. Thank you for ... |
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 How can I negotiate with hospital who has lien on personal injury settlement when they say they wont discount! |
| I was hit by a woman and am recieving a small settlement. Hospital put a lien against her insurance company for FULL BALANCE ONLY and when I called to see if they would negotiate a lower amount they ... |
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 How can you look up the beneficiary on someone's life insurance policy? PLEASE!!? |
| i would like to know who is the beneficiary for my father's life insurance policy? can my mother look it up by herself without him? he will not tell any of his family members.. he is an ... |
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 Would home owner's insurance cover the renter if there was a fire? |
The fire in this case is a wildfire, not renter caused. How can I find info. on this.
Thank you.
Additional Details
Good answers. But let me clarify: Would this help cover any ... |
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 Where is the best site to get term life insurance quotes? |
| the life insurance quotes are for 62 year old male--good ... |
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 Dispute with insurers re home contents policy .? |
| Home contents insured through Lloyds TSB, including valuables, however, have lost a valuable gold ring given as a gift by late husband. Value at the time, approximately 20 years ago was around £800 ... |
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 Can the company I work for garnish my entire check? |
| I supposedly owe the company I work for around $1000 for health insurance. The company was not taking the right amount out of my checks for months and sent me a bill for $1000 telling me to pay or ... |
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 Who pays the damages when the power surges and goes out? |
| This past week we had really bad storms go through I think so far this Thursday has been the worst. Well the power went out and is estimate to be out for a few days. Before it went out my power seem ... |
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 Can an employer take away a pay check? |
| I'm a cameraman and a few weeks ago I was setting up a camera on the tripod. I was next to it about to get the next cord and it fell. I did not tip it or anything the tripod is old and crooked.... |
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 What is your opinion of VUL? Variable Universal Life? |
| I know their fees are ridiculously high and their returns aren't anything special. I feel that it's smarter to buy term life insurance and invest in no load mutual funds versus putting ... |
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 My PPO group plan-- dental,med.,rx, vision--costs me over $700 a mo./for family...Is that normal?? |
medical = $500 deductible each person/$1000 fam., $20. copays for reg.doctor visits, $40 copays for specialists.
vision = $10 copays for exam & corrective wear
rx = $10 ... |
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bamboo | I pick up & drop off ironing so what cover of insurance do i need? |
i am confussed as for 10 years i have had van insurance now i have been told i need haulage cover. i use my pannel van to pick up & deliver peoples ironing a couple of hours each evening it is around trip on avarage of 20miles so can anyone tell me what insurance cover i need |
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welcome news
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I assume you have a commercial vehicle policy covering 'own goods or goods in trust'.
If that is the case then, providing you don't charge for the actual delivery, you do not need haulage cover. |
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robert w
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your insurance company will not cover u van if used as 'commercial' courier/hauler
because u have non commercial insurance.
so they want u to hace commercial insurance
find out the costs from other insurances.
decide if u make enough money after labor gas to cover insurance.
if not , look for new insurance company and do NOT tell them about extra 'haulage'.
insurance to cover damages for clothes is ridiculous ripp off. |
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aires69uk OFFICIAL
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I don't think Haulage cover is what you need. I think you're looking at what's called 'Goods In Transit' policy. However, this is not my area of expertise so I would advise you to contact a local broker. |
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wolfpuppyone
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Tell your agent you are using your vehicle for business use.
It will increase your premium but you do not need to get a second policy. The insurance company just wants to make sure the premium you pay reflects the exposure they face. |
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INS CSR-L.A. County
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You need a business auto policy written under a "service" polciy. Also, you would need a "Bailee's" policy to cover the clothing in your care. That would be a general liability policy specifically written because you are in care, custody and control of other people's property.
You may be able to get the auto and liability on the same policy. Check with your local broker to make sure. |
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david h
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assuming you have insurance why dont you phone your insurance company??? |
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Pregnant with my 2nd!
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Was it commercial auto? If so, maybe your agent can add an endorsement to it to cover you. |
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frenchy
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you need to register some business milage with your insurance. I'm the similar than you, except it's people i transport sometime and use my car to go from place to place in the community (I care for people in their own homes).
In your case, there's your clients chothes to insure, but you should have insurance for those, even at home (in case of fire...), which should cover transport of the goods.
Do not forget to declare to your house insurance that you run business from home. It may cost a bit more, but in the even anything happens, if you don't declare and insurance finds out, then you may end up with nothing as false declaration would unvalidate your insurance.
In your situation, I would go see an insurance broker and explain all. Then they should tell you all you need to know |
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